Best Embedded Finance Platforms in Asia

The new standard for online payments. Stripe is the best platform to run an internet business. For forward-thinking businesses all over the globe, we handle billions of dollars annually. Stripe creates the most flexible and powerful tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Stripe is helping millions of innovative technology companies scale faster and more efficiently than ever before. We believe that payments is a problem rooted in code and not finance. We are obsessed with finding elegant, modular abstractions that allow for robust, scalable and flexible integrations. Stripe is easy to use because we remove unnecessary complexity and extraneous detail.

SDK.finance is an API-driven fintech platform that serves as a foundation for building a payment product on top. Using its ledger layer allows SDK.finance customers to save at least 1 year of active development for building a neobank, digital wallet app, payment acceptance business, marketplace payment solution etc. What products can be built on top of SDK.finance platform? Neobank Digital wallet Payment acceptance system Money transfer app Marketplace payment solution Mobile wallet app General ledger

AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more.

In various sectors such as education, healthcare, travel, and technology, Flywire offers specialized insights and advanced technology that help organizations enhance the payment experience for their clients while streamlining operational processes, including invoicing and payment reconciliation. By providing a comprehensive solution for receivables, Flywire facilitates educational institutions in efficiently receiving and reconciling payments from individuals across the globe—regardless of the time or location. Furthermore, Flywire revolutionizes payment processes by offering flexible, patient-centered options that cater to financial needs, promoting quicker payments that are advantageous for both parties involved. Additionally, Flywire ensures that your guests and suppliers have access to a secure and user-friendly payment method, allowing you to concentrate on delivering an exceptional experience. Ultimately, this system not only boosts efficiency but also enhances customer satisfaction.

Yodlee is the trusted data aggregation and intelligence platform powering the future of open finance. For more than two decades, Yodlee has helped financial institutions, fintech innovators, and enterprises convert data into meaningful action. Its ecosystem connects over 19,000 financial institutions, powering 601 million consumer accounts with secure, direct connections and enterprise-grade scalability. Through its suite of products—ranging from Personal Financial Management (PFM) to Wealth Management, Credit Solutions, Payment Enablement, and Business Financial Management—Yodlee enables institutions to deliver personalized, data-driven customer journeys. Its AI and analytics capabilities transform complex data sets into actionable insights that support smarter lending, risk assessment, and financial guidance. Trusted by top U.S. banks, wealth firms, and technology providers, Yodlee remains the backbone of digital transformation in financial services. With a strong focus on security, privacy, and compliance, it ensures that innovation never comes at the cost of trust. By turning fragmented financial data into clear, strategic intelligence, Yodlee enables organizations to anticipate customer needs and stay ahead in a rapidly evolving market.

Finastra’s Fusion Data Cloud is designed to turn complex financial data into clear, actionable insights that fuel growth, efficiency, and customer satisfaction. It connects banks, credit unions, and fintechs in a secure ecosystem, enabling the seamless sharing of structured, cleansed, and curated data. The platform’s AI and machine learning capabilities power predictive and prescriptive analytics, helping institutions anticipate customer needs, mitigate risks, and identify new revenue opportunities. Its pre-integration with Finastra’s core solutions ensures rapid deployment and eliminates messy integration projects. Financial institutions benefit from a 360-degree customer view, real-time decision-making tools, and customizable dashboards for performance benchmarking. Developers can quickly build, test, and launch innovative applications using sample datasets, reducing time-to-market and expanding reach through the FusionStore. Supported by Microsoft Azure technology, Fusion Data Cloud offers flexibility, scalability, and compliance across retail and corporate banking, lending, treasury, and payments. Ultimately, it helps organizations stay competitive in an evolving financial landscape.

Finix’s Payments Infrastructure-as-a-Service streamlines the process of integrating payments for SaaS businesses, independent software vendors, and marketplaces, significantly reducing the associated time, costs, and complexities. The Finix Professional Services (FPS) team has extensive expertise in the payment facilitation model. At its core, a payment facilitator is a tech company that offers a payment solution to the sub-merchants it supports or backs. We are dedicated to upholding the highest global data security standards in our operations. Our team engages with regulators worldwide to ensure that our platform remains compliant with evolving regulatory demands, providing you peace of mind. By owning their payments, companies can boost revenue, improve product experiences, and delight their customers. Finix Flex enables rapidly growing software firms to start monetizing their payments immediately while paving the way for full payment facilitation down the line. When you're prepared to transition, you can remain within the same Finix ecosystem, effectively sidestepping any switching costs. This seamless approach ensures that businesses can focus on growth without the disruptions typically associated with changing payment systems.

Simplifying the integration of financial services into applications and customer experiences to the ease of drag and drop. One unified platform provides access to an extensive array of global financial functionalities. A user-friendly API allows developers to effortlessly incorporate worldwide financial services into their applications or customer journeys. This platform also handles billions of dollars in transactions each year, effectively managing your embedded financial services for you. If you possess your own financial licenses and operational capabilities, you can integrate them alongside our services to expand into new markets. With straightforward APIs, you can develop and implement any financial use case into your customer experience seamlessly. You can focus on designing exceptional products, marketing effectively, and engaging your customers while we take care of the technical complexities. Instantly issue virtual debit cards for one-time use, simplifying the management of subscriptions such as Netflix. Furthermore, wage advancement can be integrated smoothly within payroll systems to enhance employee satisfaction. By leveraging these tools, businesses can streamline their financial operations with remarkable efficiency.

Nium serves as an accelerator for businesses of all sizes looking to swiftly implement new financial services. With immediate entry to a worldwide network that offers payout, payment acceptance, and card issuance options, you can enhance your offerings for customers, optimize your cash flow, and create your own international payment system. Effortlessly transfer funds globally to vendors, clients, and employees utilizing one of the foremost global networks available. Discover our comprehensive, purpose-designed API suite, engineered for both ease of use and growth potential, allowing for integration within a mere four weeks. Design your international solution with our modular, cloud-based API suite, facilitating the addition of new features and regions as you expand. The use of RESTful design principles, HTTPS authentication, and JSON across our API suite guarantees a straightforward integration process and a dependable platform. Take the time to review the documentation, experiment with our APIs in a sandbox setting, and start prototyping and developing your unique solution that meets your business needs. With Nium, you not only enhance your service offerings but also position your business for sustainable growth in the dynamic financial landscape.

GPS's exceptional blend of payment processing capabilities, advanced technology, and specialized knowledge allows the company to offer top-tier payment solutions and alternative banking services to a wide range of clients, including prominent established companies, well-capitalized fintech innovators, and pioneering startups. The award-winning GPS ApexTM platform plays a pivotal role in executing some of the industry's most challenging programs, backed by a dedicated team of experts committed to maximizing performance for every initiative we support. In addition to this, GPS remains devoted to continuous investment in its technology professionals and the GPS ApexTM platform, ensuring that core processing and service functionalities are consistently enhanced. Moreover, GPS ApexTM stands out as a robust and scalable payment processing solution, having received certification from both Mastercard and Visa, and supports single and dual message formats to enable quick issuer integrations across all geographical regions. This commitment to innovation and excellence positions GPS as a leader in the evolving landscape of payment technology.

Numerous businesses claim to provide swift and straightforward payment acceptance, yet generic payment solutions often involve compromises. By opting for these standard offerings, you might sacrifice potential revenue from payments, relinquish ownership of your data, and lose control over both your payment product and customer experience. Instead, consider delivering a tailored payment solution that empowers your clients to manage fees, funding schedules, onboarding choices, and the overall payment journey. This flexibility allows you to design payment systems according to your preferences while retaining the option to adapt as needed. Moreover, by keeping the payments revenue that would typically go to third-party providers, you can significantly boost your cash flow, ultimately enhancing your business's valuation. Enhanced risk and compliance monitoring, developed by experts in the field, ensures ongoing oversight, while industry-leading Know Your Customer (KYC) processes, customizable merchant applications, triggered underwriting, and integrated boarding services elevate your payment infrastructure. By focusing on customization and control, you can provide a superior experience that differentiates your brand in a competitive market.

LendAPI is an exceptionally adaptable, infrastructure-first platform for lending and financial services that provides organizations the ability to create, launch, and expand custom credit solutions without the limitations imposed by outdated systems. Its Product Studio features a user-friendly no-code interface that allows for the swift design and publication of new lending products within days, while the Decision Engine, Rules Studio, and integrated Pricing Engine facilitate real-time updates to dynamic rule configurations, underwriting processes, and pricing strategies. The platform is equipped with essential modules for Loan Origination and Loan Management and supports various embedded finance scenarios, including point-of-sale financing, Buy Now Pay Later (BNPL) options, real-estate loans, and virtual card services. In addition, it boasts extensive integrations with KYC/KYB compliance, credit bureau information, fraud detection tools, and document automation systems. With over 270 pre-built integrations and a fully API-driven framework, LendAPI empowers fintech companies, banks, and retailers to significantly reduce manual review processes by approximately 30%, enhancing overall efficiency and responsiveness in financial transactions. This innovative approach positions LendAPI as a key player in the evolution of modern lending practices.

Our open API platform allows world's innovators to issue and process cards instantly with greater control, flexibility, and scale. Marqeta is changing the rules of what payment cards can do. Marqeta's open platform API platform has the most advanced infrastructure and tools to build highly configurable payment card cards. It is for developers who want an easier way to manage payment programs. This platform will allow them to create world-class experiences and innovate, as well as power new modes and modes of commerce. Modern card issuing platform that powers the future, accelerates your business, and helps you build new and innovative products. A sandbox that is open API and instantly issued allows you to get started in just three clicks. It also allows you to instantly issue physical, tokenized, and virtual payments. You can control excess spending, protect your margins and provide exceptional user experiences with refined payment and authorization controls.